Nalin Lease Finance Ltd Stock Price Today (NSE: NLFL)
Fundamental Score
Nalin Lease Finance Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Nalin Lease Finance Ltd share price today is ₹39.99, up +1.60% on NSE/BSE as of 3 August 2026. Nalin Lease Finance Ltd (NLFL) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹24.87 (Cr). The 52-week high for NLFL share price is ₹59.99 and the 52-week low is ₹35.31. At a P/E ratio of 7.82x, NLFL is currently trading below its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 8.68% and a debt-to-equity ratio of 0.27.
Nalin Lease Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Nalin Lease Finance Ltd share price chart: 4.72% return over the past month. 52-week high ₹59.99, 52-week low ₹35.31.
Nalin Lease Finance Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹39.55 | ₹39.55 | ₹36.59 | ₹38.17 | 483.00 (Cr) | |
| ₹37.85 | ₹39.60 | ₹37.85 | ₹39.36 | 1.55K (Cr) | |
| ₹38.85 | ₹38.85 | ₹37.05 | ₹37.12 | 66.67K (Cr) | |
| ₹38.05 | ₹39.52 | ₹36.37 | ₹38.32 | 5.50K (Cr) | |
| ₹37.20 | ₹38.05 | ₹36.78 | ₹38.05 | 400.00 (Cr) | |
| ₹38.13 | ₹40.25 | ₹38.13 | ₹39.00 | 2.73K (Cr) | |
| ₹39.94 | ₹40.49 | ₹38.99 | ₹39.18 | 4.38K (Cr) | |
| ₹40.15 | ₹42.89 | ₹39.00 | ₹39.12 | 2.90K (Cr) | |
| ₹42.98 | ₹47.24 | ₹39.00 | ₹40.16 | 29.05K (Cr) | |
| ₹39.00 | ₹39.80 | ₹37.39 | ₹39.37 | 1.15K (Cr) |
Nalin Lease Finance Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹40.17 | ₹47.50 | ₹36.10 | ₹38.17 | -4.98% | |
| ₹40.37 | ₹46.67 | ₹36.25 | ₹39.00 | -3.39% | |
| ₹51.00 | ₹51.80 | ₹39.75 | ₹40.65 | -20.29% | |
| ₹39.10 | ₹50.00 | ₹38.12 | ₹47.17 | +20.64% | |
| ₹42.71 | ₹53.00 | ₹35.31 | ₹38.26 | -10.42% | |
| ₹47.66 | ₹53.75 | ₹46.10 | ₹49.89 | +4.68% | |
| ₹50.00 | ₹53.90 | ₹44.55 | ₹46.42 | -7.16% | |
| ₹48.60 | ₹51.94 | ₹43.32 | ₹47.68 | -1.89% | |
| ₹47.75 | ₹56.00 | ₹41.73 | ₹46.63 | -2.35% | |
| ₹50.50 | ₹55.80 | ₹45.00 | ₹47.75 | -5.45% | |
| ₹51.78 | ₹59.99 | ₹49.21 | ₹49.75 | -3.92% | |
| ₹57.50 | ₹57.50 | ₹46.00 | ₹51.53 | -10.38% |
AI Research Briefing
Powered by Gemini · 2026-04-09
Micro-cap NBFC with weak fundamentals and conflicting promoter signals; steer clear.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Nalin Lease Finance's promoter group entity, Nplus Consultants Pvt Ltd, acquired 35,084 shares on March 27, 2026, increasing their stake to 3.1575%. Simultaneously, another promoter group member, Gandhi Dilipkumar Nalinkant HUF, sold 40,164 shares between March 23-24, 2026, reducing their holding. The stock hit a 52-week low of on March 27, 2026.
CORE STORY (THE REAL GAME)
Nalin Lease Finance is a micro-cap NBFC operating in a highly competitive and regulated environment. The real game is whether it can navigate increasing regulatory scrutiny and demonstrate sustainable growth in its niche lending segments (gold, vehicle, business loans) to justify its valuation.
- Promoter stake increase to 3.1575%
- Stock at 52-week low of ₹38.05
- P/B ratio of 0.74 suggests undervaluation
- Significant earnings beat
- Clear strategic direction with growth initiatives
- Positive regulatory changes for micro-cap NBFCs
- Micro-cap illiquidity
- Conflicting promoter actions (buying and selling)
- Weak financial performance and declining profits
Conflicting signals: Promoter increased stake to 3.1575%, while another promoter reduced holdings.
RBI reviewing NBFC categorization, potentially increasing regulatory burden.
Free Cash Flow 5Y: ₹3.4 Cr [cite: brief] - Profit converting to cash is questionable.
Uncertain. Depends on ability to improve financial performance, navigate regulatory changes, and attract investor confidence. 3-6 month thesis: Monitor for signs of turnaround or further deterioration.
Primary Thesis Risk
Collapse risk due to weak financials and micro-cap illiquidity.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Nalin Lease Finance Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Nalin Lease Finance Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of NLFL across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (68.51%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 7.82 vs Industry: 22.18)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (29.82%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Conservative Debt Levels (D/E: 0.27)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Interest Coverage (8.81x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
Balanced Promoter Holding (74.87%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
6 factors identified
Below-Average Return on Equity (8.68%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Revenue Contraction (-19.67%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Weak Earnings Growth (4.76% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (4.76% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Negative Free Cash Flow (₹-10.58 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Nalin Lease Finance Ltd vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Nalin Lease Finance Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Nalin Lease Finance LtdNalin Lease Fin...Selected✓ NLFL • 531212 | 44.9/100 | ₹39.99₹40 | ₹24.87₹24.87 | 7.82Average 7.8 Average | 8.68%Poor 8.68% Poor | 10.96%Average 10.96% Average | 0.27Excellent 0.3 Excellent | 4.76%Average 4.76% Average | 6.44%Good 6.44% Good | 0.00% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
65.8/100 | ₹1849.90₹1850 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
Nalin Lease Finance Ltd PE Ratio History
Historical price-to-earnings ratio for NLFL — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹5.37 | ₹47.68 | 8.9x |
| FY 2024 | ₹5.87 | ₹68.70 | 11.7x |
| FY 2023 | ₹4.56 | ₹39.93 | 8.8x |
| FY 2022 | ₹3.97 | ₹33.50 | 8.4x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Nalin Lease Finance Ltd Dividend History
Annual cash dividends paid by NLFL — dividend yield N/A
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2022 | ₹0.32 Cr |
Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.
Nalin Lease Finance Ltd Quarterly Performance
Latest quarterly metrics for NLFL — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
-19.67%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
29.82%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
6.44%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
4.76%
Compounded annual net profit growth over 5 years
Nalin Lease Finance Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for NLFL — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Nalin Lease Finance Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Nalin Lease Finance Ltd (NLFL) — sourced from NSE/BSE filings.
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About NLFL (Nalin Lease Finance Ltd)
Nalin Lease Finance Ltd is a Non-Banking Financial Company (NBFC) rooted in the Indian financial landscape. Established with the objective of catering to the diverse funding requir...ements of individuals and businesses, NLFL offers a spectrum of fund-based services. The core focus lies in providing accessible financial solutions to fuel economic activity and empower growth across various sectors. NLFL is committed to delivering tailored financial products designed to meet the specific needs of its clientele, fostering financial inclusion, and contributing to the overall development of the regions it serves. With a customer-centric approach, NLFL strives to build long-term relationships based on trust and reliability. NLFL distinguishes itself through a comprehensive portfolio of financial offerings. These include secured lending options such as gold loans and vehicle loans, facilitating access to quick capital for immediate needs and asset acquisition. Business loans form a significant part of their services, enabling entrepreneurs and small to medium-sized enterprises to expand their operations and invest in growth opportunities. Additionally, NLFL provides specialized financing solutions like lease financing and hire purchase, empowering businesses to acquire essential equipment and assets without significant upfront investment. This multi-faceted approach ensures that NLFL can address the diverse financial needs of a broad range of customers, contributing to economic empowerment and growth. Operating since its inception, NLFL is situated in Himatnagar, India. The company leverages its local expertise and understanding of the regional market to provide personalized and effective financial solutions. By offering a range of financial products and focusing on customer satisfaction, NLFL aims to be a trusted financial partner for individuals and businesses alike. NLFL remains dedicated to upholding ethical business practices, maintaining transparency, and adhering to regulatory standards, solidifying its position as a reputable and reliable NBFC within the Indian financial sector. The company continuously strives to innovate and adapt its services to meet the evolving needs of its customers.
Company Details
Key Leadership
Corporate Events
Latest News
NLFL Share Price: Frequently Asked Questions
What is the current share price of Nalin Lease Finance Ltd?
Nalin Lease Finance Ltd (NLFL) trades at ₹39.99 on NSE and BSE. Market cap ₹24.87 (Cr). Educational data only.
What is the P/E ratio of Nalin Lease Finance Ltd?
Nalin Lease Finance Ltd has a P/E of 7.82x vs industry average 22.18x.
What is the Bull Run score for Nalin Lease Finance Ltd?
Nalin Lease Finance Ltd has a Bull Run score of 44.9/100 based on 25+ financial parameters.
Does Nalin Lease Finance Ltd pay dividends?
Nalin Lease Finance Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Nalin Lease Finance Ltd?
Nalin Lease Finance Ltd has ROE of 8.68%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Nalin Lease Finance Ltd?
Nalin Lease Finance Ltd has debt-to-equity of 0.27.
Is Nalin Lease Finance Ltd a good investment?
Bull Run gives Nalin Lease Finance Ltd a score of 44.9/100. This is not investment advice — consult a SEBI-registered advisor.